How Long Does FHA Mortgage Insurance Last? | 2MG

FHA MIP lasts for the life of the loan with under 10% down, or about 11 years with 10%+ down. See the rules with The 2 Mortgage Guys.

How Long Does FHA Mortgage Insurance Last? | 2MG

FHA MIP lasts for the life of the loan with under 10% down, or about 11 years with 10%+ down. See the rules with The 2 Mortgage Guys.

How Long Does FHA Mortgage Insurance Last?

FHA MIP Duration Rules

What This Means for Buyers

Quick Duration Reference

How We Plan Around MIP Length

Keep Exploring

Related Calculators

Frequently Asked Questions

Map Your MIP Timeline

LOAN PROGRAMS

CLIENT BENEFITS

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For most FHA purchases with less than 10% down, annual MIP lasts for the life of the loan. If you put 10% or more down, MIP is typically required for 11 years. Knowing which rule applies changes the long-term cost math.

Your original down payment usually decides how long monthly MIP sticks around.

Life-of-loan MIP is not a deal-breaker — but it should be intentional.

Typical rules for current FHA purchase loans.

Your hold period should drive the program — not the other way around.

Step

Related guides to help you compare options and move toward pre-approval.

Run the numbers before you apply — then get a real pre-approval from Ryan or Steve.

2MG Daily

Recent articles from our blog on FHA MIP timelines and refinancing.

No related blog posts yet. Check back soon for the latest updates.

We will show whether your file falls under life-of-loan or 11-year MIP — and when a refinance might make sense.

Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .

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Ryan Minick NMLS# 203249

Steve DeLon NMLS# 202876

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1221 Appletree Lane, Kokomo, IN 46902

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